Most people fail with money because they're stuck in extremes. Underwhelmed by the same old advice like "save more, spend less, lock it away and hope compound interest saves the day." The truth is simple: You are the asset. Your ability to create value is the greatest investment you'll ever have. This episode breaks down Garrett Gunderson's framework for the six money moves that actually matter. Stop locking money away in qualified plans. Stop self-insuring when you should transfer risk. Stop overpaying taxes as a W-2 employee with only 8 deductions when business owners access 475. Focus on cash flow assets that let you live today while building wealth for tomorrow. The penalty for following broken financial philosophies is permanent, but aligning your plan with who you are brings freedom sooner than you think.Chapters:00:25 - Opening Segment04:55 - Why most people fail with money06:35 - You are the greatest asset08:15 - The underwhelming advice: save, spend less, lock it away10:35 - Spend less is capped - grow yourself as an asset instead14:50 - Overwhelmed by conflicting tips19:05 - Teaching value creation20:20 - Step 1: Automate and build liquidity with whole life23:20 - Daily burn rate calculation method (263 days liquidity example)26:50 - Step 2: Transfer risk, don't self-insure29:05 - Pacific Palisades fires: Self-insurance myth exposed33:15 - Step 3: Estate and entity structure (trusts vs wills)39:35 - Step 4: Stop tipping the government41:05 - 8 deductions vs 475: W-2 employees vs business owners43:55 - Sourdough bread business example45:50 - Step 5: Invest in alignment with your investor DNA46:25 - Get to vs have to - does it feel like noise?50:00 - Step 6: Focus on cash flow, not accumulation54:45 - Living today while building for tomorrow57:20 - Closing SegmentKey Takeaways:You are your greatest asset - ability to create value is the greatest investment you'll ever haveStandard advice (save more, spend less, hope for compound interest) keeps you brokeStep 1: Automate liquidity using whole life as emergency fund - calculate daily burn rate to know exact days of liquidityStep 2: Self-insurance is a myth - transfer catastrophic risk to insurance companies for pennies on the dollarStep 3: Get trust in place to avoid probate - if you don't have estate plan, government has one for youStep 4: W-2 employees have 8 tax deductions, business owners with EIN have 475 - create business entity nowStep 5: Invest in your investor DNA - ask "do I GET to do this or HAVE to do this?"Step 6: Focus on cash flow assets, not buy-and-hold accumulation in qualified plansGot Questions? Reach out to us at [email protected] or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

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